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Solo Stove Giveaway

Get a Free Solo Stove® with Your Mortgage

Buying a home or refinancing? Apply with Midland between July 1 and August 31, 2025. Once your loan closes, we’ll send you a free Solo Stove®.*

Promo code: STOVE25

You Might Say We're Unlike Any Other Bank

At Midland, we know it only takes a moment for an idea to spark, to find your dream home, or to start planning for your forever. Whatever your moments are, we're here for them. Learn who we are

My loan officer was awesome. She guided me through the entire process.
Cathy, Customer
The process was straightforward and simple. I received a lot of support from the loan manager and staff. They addressed my concerns, helped secure a good mortgage rate, and made the process less stressful overall.
Paul Franco, Customer
young couple smiling as they hold the keys to their new home

Refinance With Clarity & Confidence

Not sure where to start with the homebuying process?

We're Here to Help

Our easy-to-follow guides break down the home buying journey, from understanding pre-approval to pre-qualification and more, so you can move forward with confidence.

Mortgage Payment Calculator
Home Affordability Calculator

Specialized Mortgage Options for Big Plans

Jumbo Loans

Designed for purchasing luxury or high-cost homes that are priced above the usual loan limits.

Jumbo Loan Details >

Bridge Loans

Need to move quickly? Get a short-term financial boost to seamlessly transition between your current home and new home.

Bridge Loan Details >

Investment Properties

If you are interested in owning rental homes, we can help provide the funding you need to purchase a property that will be rented out to tenants.

Apply for an Investment Property >

a house being constructed

Construction & Land Lot Loans

A construction loan is a short-term loan you can use to finance the construction of a new home. During construction, you can make interest-only payments at a fixed rate. Once construction is complete, you can convert the loan to a permanent mortgage.

If you want to purchase land to build a home, a lot loan is the perfect solution. A lot loan allows you to purchase property before you begin construction.

*Applicants must use promo code STOVE25 when submitting an online mortgage application or when meeting with their Mortgage Loan Originator. The free Solo Stove® gift applies to loan applications on single-family, 1-4 unit properties for first-lien residential purchase or refinance mortgage loans only. Offer available on loan applications with Loan Estimate disclosures dated July 1, 2025 – August 31, 2025. This does not include pre-approval applications. No minimum loan amount is required to receive the offer. Standard loan program details still apply. All applications are subject to approval under Midland's underwriting guidelines. Gift is provided only upon loan approval and closing. Gift will be mailed to customers after the closing date to the new home’s address unless otherwise stated. Gift may be reported as taxable income and produce a 1099-MISC. Gift is limited to one per loan. No cash equivalent or transfer of prize is permitted. Offer subject to change without notice. 

Frequently Asked Questions

Will I need mortgage insurance?

You will need mortgage insurance if you take out a conventional loan and your down payment is less than 20%. You will also need it if you get an FHA loan.

When should I refinance my mortgage?

Generally speaking, you should refinance your mortgage when it saves you money or helps you pay for a significant home expense. Our Mortgage Experts can help you determine when refinancing makes sense for your financial situation. 

How can I apply for a mortgage with Midland States Bank?

Applying for a mortgage loan with Midland States Bank is a breeze! You have the convenience of two options: you can apply online through our user-friendly, online mortgage application platform, or give us a call to speak with a friendly Mortgage Loan Officer.

How should I begin the homebuying process?

Start the homebuying process by getting your mortgage pre-approval. This will help you determine how much home you can afford, so you can begin searching for homes that fall in your price range.

Get pre-approved online or contact one of our Mortgage Experts to start your homebuying journey.

I don’t know if I want to move. Can I do a home improvement loan with Midland?

Yes! If you’re not quite ready to move, but wanting a change, home improvement loans are designed to help you finance renovations, repairs, or upgrades, making it easier to create your dream living space. We offer several loan options, so you can transform your home without the hassle of moving.

Contact Us

Our team of dedicated professionals are here to support you.